BlastPoint's Credit Union Scorecard
GREATER CHAUTAUQUA
Charter #3759 · NY
GREATER CHAUTAUQUA has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Delinquency rate 0.10% above tier average
- - Total Assets: Bottom 1.3% in tier
- - Total Deposits: Bottom 2.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - Total Loans: Bottom 3.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,509
-0.7% YoY-0.5% QoQ
|
-5.6K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
29% |
| Assets |
$101.0M
+2.2% YoY+1.5% QoQ
|
$-130.7M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.2% in tier |
| Loans |
$43.4M
-1.6% YoY-2.8% QoQ
|
$-100.8M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.7% in tier |
| Deposits |
$89.5M
+1.2% YoY+1.3% QoQ
|
$-111.7M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.7% in tier |
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| ROA |
1.0%
-8.7% YoY-12.8% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
3.4%
-0.4% YoY-2.8% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
36% |
| Efficiency Ratio |
75.6%
-1.0% YoY+2.5% QoQ
|
-2.4% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate |
0.9%
-26.6% YoY-16.9% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
48.5%
-2.8% YoY-4.1% QoQ
|
-22.0% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.4% in tier |
| AMR |
$13,967
+0.9% YoY+0.4% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.7% in tier |
| CD Concentration |
19.5%
+9.5% YoY+1.5% QoQ
|
-4.7% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)